EverBank has considerable upside from housing as well given its "large concentration in housing related loans (2x peer average), out-sized mortgage origination business (20% of 2013 revenue or 4x peers), lower housing related credit/workout costs, and potential recoveries on the Bank of Florida marked loans." While Bank of America ( BAC) and SunTrust ( STI) are significantly levered to an improvement in housing, the analysts remain neutral. In the case of Bank of America, higher legal costs mortgage servicing and workout costs will continue to be a drag on expenses even if credit quality improves. The analysts also continue to see heightened putback risk from both the agencies and private labels. And the stock still trades at a premium to JPMorgan Chase ( JPM) and Citigroup. SunTrust might also continue to be weighed down by continued weakness in Atlanta and extended foreclosure timelines in judicial states such as Florida. --Written by Shanthi Bharatwaj in New York >To contact the writer of this article, click here: Shanthi Bharatwaj. >To follow the writer on Twitter, go to http://twitter.com/shavenk. >To submit a news tip, send an email to: firstname.lastname@example.org.